Root Cause

• Live account used in test environment: The customer attempted to use a real bank account while the system was operating in Test mode.

• Environment mismatch: The merchant or developer is running transactions in Test mode but using production/live bank account credentials.

• Incorrect account setup for testing: Sandbox or test account details were not used as required in the testing environment.

• Payment gateway enforcement: The payment gateway prevents real bank account details from being used in a non-production environment for security and compliance reasons.

Troubleshooting and Solutions

• Instruct the customer or tester to use the sandbox or test bank account details while operating in Test mode.

• Verify that the payment environment is correctly set to Production before using live bank account details.

• Clearly separate and document the usage of test and live account environments to avoid confusion.

• Retry the transaction only after ensuring that the correct account type is used for the current environment.

• Review payment gateway documentation for guidelines on using appropriate test data in the sandbox environment.